Homes for sale in Cottonwood, AZ: what the public data shows
Median value, property taxes, size and price trend for Cottonwood, from Census and FHFA data, before you open any listing.
Two ways to start
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What does a home cost in Cottonwood, AZ, and what do owners pay in taxes?
Quick answer: In Cottonwood, the Census median value of owner-occupied homes is $324,100, and homeowners paid a median $1,075 a year in real estate taxes (ACS 2020–2024). Those are area-wide medians, not listing prices. Compare current homes by estimated monthly payment, which counts each home's own taxes, HOA dues and insurance.
Source: U.S. Census Bureau, QuickFacts: Cottonwood city, Arizona (ACS 2020–2024 5-year estimates; retrieved September 25, 2026). Last updated .
Home values in Cottonwood compared with the rest of Arizona
Cottonwood's Census median home value is $324,100, which ranks 30th of 39 places (1st is highest) and sits 17.8% below the Arizona median of $394,500. Median monthly owner costs for homeowners with a mortgage are $1,503, 34th of 39 on that measure. Both medians include owners who bought years ago, so treat them as reference points.
Closest in median value: El Mirage ($321,900) and Casa Grande ($303,900). Here is Cottonwood next to its Northern Arizona neighbors on this site:
| Place | Median home value | Median taxes paid a year | Taxes as % of value | Single-family detached share | Median year built |
|---|---|---|---|---|---|
| Cottonwood | $324,100 | $1,075 | 0.33% | 44% | 1991 |
| Sedona | $786,800 | $3,164 | 0.40% | 70% | 1987 |
| Prescott | $564,100 | $1,885 | 0.33% | 67% | 1992 |
| Flagstaff | $552,900 | $2,181 | 0.39% | 42% | 1992 |
| Prescott Valley | $413,200 | $1,792 | 0.43% | 69% | 2002 |
Source: U.S. Census Bureau, ACS 2020–2024 5-year estimates (B25077, B25103, B25024, B25035), retrieved September 25 and October 10, 2026. Area-wide medians, not quotes.
What the housing stock in Cottonwood looks like
Of Cottonwood's 7,237 housing units, 44% are single-family detached and 3% attached, and 21% are in buildings with five or more units and 16% are mobile or manufactured homes. The median home was built in 1991; 12% of units are from 2010 or later and 30% predate 1980. That is 31st newest of 39 places.
Seasonal-use units are rare here, under 3% of housing.
Property tax in Cottonwood
Homeowners in Cottonwood paid a median $1,075 a year in real estate taxes, about $90 a month (ACS 2020–2024). Cottonwood's median is $804 below the statewide median of $1,879, and Cottonwood ranks 36th of 39 places for dollars paid and 38th for taxes as a share of home value. Against the Cottonwood median home value, $1,075 is about 0.33% a year.
Cottonwood is in Yavapai County, where the countywide average total tax rate across all property was 8.58 per $100 of assessed value in FY2025-26 (5.79 primary plus 2.60 secondary), below the 10.56 statewide average. That average covers every kind of property, so it is a comparison point, not a rate for a particular Cottonwood home. The site has no tax-area breakdown for Cottonwood, so check a home's own parcel record.
Census note: Cottonwood is a small place, so the margin of error is wide on its median home value (±$35,276), median real estate taxes paid (±$175). Treat those figures as approximate (ACS 2020–2024 margins of error, retrieved October 10, 2026).
The size of Cottonwood
Cottonwood is an incorporated city. Cottonwood grew 5.7% from 12,029 people in the 2020 Census to a 2025 estimate of 12,709, 18th of 37 places for growth. Its 28.2 square miles of land (Census 2024 Gazetteer) works out to about 451 people per square mile, 34th of 39 places for density and a fairly spread-out layout.
On the map: A Verde Valley city with a historic Old Town, near Dead Horse Ranch State Park, served by SR 89A and SR 260.
How home prices have moved around Cottonwood
FHFA's House Price Index for the Prescott Valley-Prescott metro fell 0.7% over the past year, changed +34.5% over five years and +112.4% over ten years, through 2026 Q2. Statewide, Arizona's index changed +36.3% over five years. The index tracks repeat sales across the whole area, not Cottonwood alone, and past changes don't predict future ones.
Before you tour Cottonwood homes
- Look up each Cottonwood home's parcel on the Yavapai County assessor's site to see its tax area, then add any association dues and insurance before judging the payment.
- Ask for the association's dues and any special district fee or community tax line, which shows up as an added tax line on the bill.
- Price a home by its estimated monthly payment, not only its list price, so taxes, dues and insurance sit in the same number.
Next steps for Cottonwood
Read the Cottonwood city overview, see what a monthly payment buys in Cottonwood, or compare homes by monthly budget:
- $1,500/mo in Cottonwood
- $2,000/mo in Cottonwood
- $2,500/mo in Cottonwood
- $3,000/mo in Cottonwood
- $4,000/mo in Cottonwood
Data as of October 10, 2026. Figures are cited to the public sources listed below. General information for Arizona home shoppers, not a loan offer, rate quote, or commitment to lend.
See Cottonwood homes by the payment you want
Search with each home's own property taxes, HOA dues, and insurance built into the estimate. We never sell your information.
Create your free account to see all homes for sale that fit the monthly payment you're comfortable with, each with its actual property taxes, HOA dues, estimated homeowners insurance, and mortgage insurance when it applies, plus its own estimated closing costs and APR disclosure.
Opens the MABLS home search. Payments shown there are estimates to help you search, not a loan offer or rate quote. Your actual payment depends on price, down payment, credit, taxes, insurance, HOA, and loan program.
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Cottonwood overview · What a monthly payment buys in Cottonwood · Homes by monthly budget · Property tax by city
Sources
- U.S. Census Bureau QuickFacts: Cottonwood city, Arizona (ACS 2020–2024 5-year estimates; population estimate V2025; retrieved September 25, 2026)
- U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates: B25077 (median home value), B25103 (median real estate taxes paid), B25088 (median owner costs with a mortgage), B08013/B08303 (mean travel time to work), B25003 (owner-occupied share), B01003 (population) (retrieved October 4, 2026)
- U.S. Census Bureau, ACS 2020–2024 5-year estimates, housing tables B25001, B25004, B25024, B25034, B25035, B25042 (via the Census Reporter API) (retrieved October 10, 2026)
- U.S. Census Bureau, 2024 Gazetteer Files, Places (Arizona): land area (retrieved October 10, 2026)
- FHFA House Price Index (All-Transactions, quarterly) (2026 Q2, released August 25, 2026; downloaded September 26, 2026)
- Pinal County, FY2026-27 budget presentation (countywide average tax rates by county, citing the 2026 ADOR Final Abstract) (retrieved October 4, 2026)
Frequently asked questions
Where does Cottonwood rank for median home value among Arizona cities?
Cottonwood ranks 30th of the 39 places on this site with their own Census figures, at $324,100 (ACS 2020–2024). The Arizona median is $394,500, and the closest medians are El Mirage ($321,900) and Casa Grande ($303,900).
How much real estate tax do Cottonwood homeowners pay?
The Census Bureau's median is $1,075 a year, or about $90 a month, 36th of 39 places (ACS 2020–2024). A specific home's bill depends on its tax area and limited property value.
Is Cottonwood a city, a town or something else?
Cottonwood is a city. It is in Yavapai County.
How large is Cottonwood, and is it growing?
Cottonwood covers 28.2 square miles of land (Census 2024 Gazetteer) and had an estimated 12,709 people in 2025, +5.7% from the 2020 Census.
Have home prices gone up near Cottonwood?
FHFA's index for the Prescott Valley-Prescott metro changed +34.5% over five years and −0.7% over one year through 2026 Q2.
What kinds of homes are there in Cottonwood?
Of Cottonwood's 7,237 housing units, 44% are single-family detached and 3% attached, and 21% are in buildings with five or more units and 16% are mobile or manufactured homes. The median home was built in 1991 (ACS 2020–2024).